BUSINESS TALK Business Networking Edition of Team Talk - The Bay Friendship Club
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BUSINESS TALK Business Networking Edition of Team Talk
EDITOR’S
DESK
Thank you for the wonderful feedback we had for our first edition of Business Talk.
In 2019 our focus will be on developing our Business Networking and hosting some exciting business
networking workshops and talks.
Feel free to share your comments by emailing us at admin@thebayfriendshipclub.co.za
Make sure to look out for new “sister” edition Single Talk..
Hope you enjoy our June edition of Business Talk.
Stella Ashworth
CEO/Founder
The Bay Friendship Club
Christian Networking Group
TABLE OF CONTENTS Editor’s Desk Johann Rupert: 5 Steps to Business Success Solomon’s Strategy for Success Loretta Sanderson HR Consulting CV Writing Workshop - 9 June Importance of CCTV in Your Business CCTV – Liberty Empire Property Talk – Marc van Heerden Property for Sale: Kenton on Sea Property for Sale: 4 Star Guest House in Grahamstown Khulasande Sport Development 7 Biblical Principles for Saving and Investing Your Money 5 South African Women Entrepreneurs' Success Stories Business Networking Section Business Networking Membership
Johann Rupert:
5 Steps to
Business Success
Source: Moneyweb
When Johann Rupert makes a rare public appearance, people tend to pay attention. This was certainly the case in
December last year when he agreed to an interview on Power FM.
In the interview, he candidly shared his thoughts on topics ranging from politics to family life. The real gold, however,
can be found in his insight on business and business practices.
According to Moneyweb, Rupert proposes a simple yet effective framework that can be used from a small business
idea all the way to a very large investment.
PLACE
So if you’ve started, or are thinking of starting a business, here are Rupert’s five steps towards business success.
1. Identify I the
M market
A G –ESkeleton
HERE
The first thing you need to identify is whether or not there is a market for the product or services that you want to offer.
Most people do not reflect carefully enough on this crucial point. This does not mean you need to be the only one doing
it or the first to do so but determine whether enough people are willing to pay you for your product or service.
To put it simply, the product might be great, but if there’s no market, it will fail.
2. Develop a strategy to meet this market need – Bones
Once you have confirmed a market for the product or service, you need to develop a business strategy that will service
this market.
3. Detailed plan to execute the strategy – Meat
You need a team of people with strengths in different areas to execute your strategy. “The plan is on paper, but the
game is played on the grass,” said Rupert. Attention to detail is now required in the execution of the strategy by
competent executors. For example, executors have a different inherent nature to strategists or the entrepreneurs
generating the ideas. Match people to the appropriate jobs according to their strengths.
4. Don’t be afraid to make mistakes
The trick here is to identify mistakes and correct them as soon as possible. Learn from your mistakes, but don’t be
afraid to make them.
5. Have a level of paranoia
You need to be aware of what your competitors are doing.
Inaction is death. When complacency sets in, even great business houses have gone into terminal decline.
South Africa is overflowing with developing entrepreneurs, all of whom could no doubt benefit from the wisdom of a
seasoned business-master.
Go forth and prosper.
For tickets: Stella 072 680 5492
Solomon’s
Strategy
For Success
By Mike Mazzalongo
Solomon lays out 7 easy to understand principles that promote success in any area of one's life here on earth.
No series on ancient wisdom, especially wisdom from Jewish kings, would be complete without a contribution from
Solomon, son of David. The one thing that everybody knows about Solomon is that he was very wise. When he was
anointed king, he asked God to give him the wisdom to govern the people, and God answered his prayer.
In I Kings 4:31 we read, "…He was wiser than all men…" This wisdom was exercised in many ways aside from leadership.
PLACE
Solomon studied botany, built the temple and other great edifices, wrote poetry and made a lot of money.
I M surpassed
So King Solomon A G E all the kings of the earth in riches and wisdom. - II Chronicles 9:22
You could sayH EheRhadEthe golden touch because his wisdom gave him the ability to succeed in everything he did. As a
that
supremely successful individual Solomon was well equipped to give advice to others on how to attain and maintain success.
In our time of economic stress and uncertainty I believe it would be profitable for us to review Solomon's strategy for
success found in Ecclesiastes 11:1-10.
The book of Ecclesiastes is much like a personal diary. In his wisdom, Solomon tried to find out what life was really all
about and if it was possible to be truly happy without God. He purposefully experimented with all of life's great attractions:
• Sensual and sexual pleasures of every kind
• Strong drink and its effect
• Creative building projects
• Acquiring knowledge in the sciences of his day
• The pursuit and exercise of political power
While experimenting with these Solomon was careful to record his observations concerning what he felt and learned from
his experiences. Near the end of the book there is a chapter describing how to achieve and maintain success throughout
one's life. Here, in short form, are Solomon's seven strategies for success:
1. You've Got to Give in Order to Get
1 Cast your bread upon the waters, For you will find it after many days.
This is a business principle that all successful people learn right away. There is no return without investment, no reward
without risk. This is true if you want to succeed as a business executive as well as a student or a partner in a marriage.
There are no opportunities for success in any of these or other ventures without an investment of time, effort, self-discipline
and general giving of self.
Continue…
People who fail usually have excuses and blame, resentment and anger. Those who succeed, on the other hand, do so because they were willing to give up something of themselves in order to achieve their goals. The old saying is as true today as it was in Solomon's day, "The more you give, the more you get.“ 2. Diversify 2 Give a serving to seven, and also to eight, For you do not know what evil will be on the earth. Successful people understand the reality of the world, that sometimes (more often than not) bad stuff happens. Being prepared for this is wise. It's smart to have a back-up plan, a second window of opportunity. Success doesn't always come with the first career, the second try or the third idea. Sometimes it comes later, after several tries and in an area we never would have imagined. For example, the IBM Company believed that there would only be a market for two or three of their computers back in the 1950s but they continued to develop and expand their products and applications anyways and grew into the international leader it is today. Successful people develop as many of their talents, and pursue as many opportunities as time and energy permit. 3. Don't Worry About What You Can't Change 3 If the clouds are full of rain, They empty themselves upon the earth; And if a tree falls to the south or the north, In the place where the tree falls, there it shall lie. Solomon uses examples from nature to demonstrate situations over which we have no control and cannot change once they take place. The idea is that we don't always succeed at every step. Things happen that we can't control and when they do, we have to roll with the punches. Successful generals choose when and where they will fight. They rarely go into battles that they don't believe they will win. In worst case scenarios they are able to recognize when they can't win and try to cut their losses in order to survive and fight another day. To succeed, we need to invest our energy into viable causes, and not worry about past mistakes or the lack of resources and talent. To succeed, we need to use what we have, where it will do the most good, without regard for those things that are impossible for us to control. 4. Do it Now He who observes the wind will not sow, And he who regards the clouds will not reap. There is never a perfect time to begin. In most instances we simply need to begin or else lose the opportunity at hand. There is always a reason to put off doing something, always a pretty good excuse for not starting something challenging, difficult or life-changing. This is why there are only a few who make it to the Olympics, only a few who have been to the moon, only one Mona Lisa. Successful people act on their dreams, their goals and their vision right away. I remember having a dream and in this dream I had a terrific idea for a lesson and series about a certain Bible topic. The outline was perfectly visible in my dream. I half awoke and asked God to remind me in the morning to write down the material I had thought of. The next morning when I tried to recall the idea and outline I was completely blank! I have spent many hours awake since then writing outlines, ideas and devotional articles that have come to me in the middle of night, not waiting for a more convenient time the next day. The best time to begin succeeding at your dream or goal is now. Putting it off until tomorrow is the lazy person's way of avoiding the burden of success. 5. You Never Know Until You Try 5As you do not know what is the way of the wind, Or how the bones grow in the womb of her who is with child, So you do not know the works of God who makes everything. 6 In the morning sow your seed, And in the evening do not withhold your hand; For you do not know which will prosper, Either this or that, Or whether both alike will be good. Continue…
Some things you don't see (the wind and, before x-rays, an unborn child) but they are never-the-less real. Success cannot be obtained or even seen until a person actually tries. Other people may be blind to the possibility of your success because they don't share your vision or lack confidence in you. Many won't support your efforts because they are jealous that your success will reveal their failure or weakness. Solomon tells us to believe the evidence of the unseen, believe the evidence of God and the power of faith. Trying is another way of saying, "I believe," "I see," "I know," when others disbelieve, are blind or refuse to understand. You never know until you try, but if you don't try, you'll never know. 6. Remember God's Judgment 7 Truly the light is sweet, And it is pleasant for the eyes to behold the sun; 8 But if a man lives many years and rejoices in them all, Yet let him remember the days of darkness, For they will be many. All that is coming is vanity. 9 Rejoice, O young man, in your youth, And let your heart cheer you in the days of your youth; Walk in the ways of your heart, And in the sight of your eyes; But know that for all these God will bring you into judgment. Success is marvellous and was meant to be this way by God. He didn't create us to be failures or to be unhappy, but rather to be productive and joyful, to enjoy the things that He gives us while we can. However, the pleasure that comes from success is not the end of life, nor is it the goal of life. In Ecclesiastes 12:13 Solomon says that the goal of life is to know and obey God. Success is a by-product of the life lived to please, know and serve God. The danger lies in making success the goal of life rather than a benefit of a good and obedient life before God. Successful people understand that their success is a gift and they don't become so enthralled by success that they will do anything in order to obtain or keep it. Many who are rich and famous confess that they are often unhappy and dissatisfied because they sold their souls in the chase for success and learned that success, all by itself, was not worth the cost. 7. Success is Sweet But Success is Short 10Therefore remove sorrow from your heart, And put away evil from your flesh, For childhood and youth are vanity. Who won the gold medal for gymnastics ten years ago? Who was the richest man in the world 75 years ago? Someone has said, "If you want to judge the value of something or how much of yourself to put into it, see what meaning it will have 100 years from today." Solomon's advice to the successful is to enjoy their success while they have it, because very soon it will be gone. Good advice for many who work hard to build families, homes, careers, but spend so little time enjoying the fruit of their labour. What good is success and what honour does God receive if we don't take the time to smell the roses while they are in bloom? Summary What is interesting about this passage of Scripture is its worldly tone. Solomon writes about the things we need to know, remember and do in order to succeed in this world, whether one is a child of God or not. The strategy works either way. One thing not mentioned here, however, is that success in this world does not guarantee success in the next world. Jesus told us that there is nothing in this world, no degree of success or wealth, that will guarantee our soul's entry into the heavenly realm. If we study Solomon's life, we find out that despite his great wisdom and incredible success, he failed in the one thing that was needed: obedience to God. His wealth and desire for pleasure led him to marry many foreign wives who eventually influenced him to sin by worshiping pagan gods, the one thing God warned him to avoid. There is nothing wrong with pursuing success using Solomon's strategy to achieve our goals and dreams. After all, God is the one who gave him this wisdom which he passed on to us. But in doing this, let us remember that in order to achieve final success, which is to live forever with God, we must follow His strategy for heavenly success, not earthly success. Continue….
This strategy can be summarized in the following way: • We must believe that Jesus Christ is God and Savior (Acts 8:37) • We must confess our belief in Him (Matthew 10:32) • We must repent of our sins (Acts 2:37-38) • We must be immersed/baptized in water in Jesus' name (Mark 16:16; Acts 2:38) • We must remain faithful to Jesus by following His commands and leadership our entire lives (Matthew 10:22) This strategy may not lead to monetary wealth, may not put our names in the history books, but it will put our names into the Book of Life and guarantee our eternal existence with God in heaven. If you have been struggling or discouraged I hope this lesson from King Solomon will help you learn how to better succeed in your family, career, business or character. What I truly hope for everyone, however, regardless of success on this earth is that all succeed in going to heaven with Jesus when He comes.
Loretta Sanderson HR Consulting As an experienced HR Business Partner, I understand how important HR is to any organisation and deliver a suite of products to both corporate and smaller businesses. Recruitment services My understanding of the automotive industry and local network gives me access to a large pool of experienced talent. Each placement is dealt with personally, streamlining the process. Workshops and Training I offer personal development workshops suitable for individuals looking to find their purpose, live intentionally and achieve their goals. These workshops are also available as bespoke in-house workshops which can be customized to suit the Organisation’s needs. HR Services Drawing on my corporate experience, I offer a complete HR service to organisations on a contract and/or project basis. Your in-house HR Department, one day per week or on a project basis, at an affordable cost. Preparing for your next Career Move As a recruiter I understand the importance of a good CV, and a well-written targeted Linkedin profile. This is a confidential service and will ensure that you get noticed when looking for your next move. I also offer a career counselling service to assist you in moving to the right job at the right time for the right reasons. Contact Loretta Sanderson Cell: 082 884 4569 Email: lsanderson942@gmail.com
Importance of CCTV in Business Security is fundamentally important across all walks of life to ensure the overall safety and possessions of all individuals are comprehensively protected. Commercial and residential properties are constructed to provide homeowners and companies with adequate protection against adverse weather conditions. Both buildings are also fit for purpose and provide the flexibility in which to create a stately household and professional business environment. This can be achieved via the integration of interior design features such as furniture and décor, in addition to any portable appliances and machinery to carry out daily tasks. Throughout commercial properties such as office buildings and retail outlets, all companies require careful consideration of integrated security solutions. Although security guards provide an element of protection on the ground floor, their eyes are ears are not extensive enough to provide an over watch of the entire premises. This is where cameras within CCTV security systems play a crucial role within the daily running of a business. Establishing an overview via placements of cameras within key areas within an office environment or retail store is an integral part of CCTV security systems. Although such systems are installed to protect against potential theft or criminal activity, they can play an important role within the productivity levels of employees. While certain individuals may feel their statutory rights are being undermined within a ‘Big Brother’ environment, it is done so to ensure the activities and conduct of all employees is maintained on a daily basis. Cameras can be either situated within the middle of a room or in the corners. Although their placements affects the images and security angle each camera can pick up, the sheer presence of cameras can act as a deterrent to any criminal. Knowing their actions is likely to be detected by one from a multitude of cameras which can clearly depict their face and appearance can decrease the rate of theft and crime. The presence of CCTV as integrated security solutions can also be important for the work ethic and efficiency of employees. As their safety and wellbeing can be placed under threat by an individual who carries out violence or a criminal act, it is vital to integrate adequate protection. In doing so, it can play a fundamental role in catching any perpetrators who steal or damage valuable products or machinery, and put employees at risk. It is crucial to take security seriously in this day and age. It is not just businesses and commercial properties that need good security but it is our homes too. With crime increasing and burglaries very common place, it is very important to consider the available security options and choose one that is the best fit for you. One of the most popular and cost effective ways of providing security in the home and place of work is with cctv cameras and equipment. CCTV cameras can act as a very successful deterrent to thieves and burglars, certainly making them think twice at the very least. The technology behind security equipment these days is incredibly advanced, and it is even possible to hook the cameras up to an ordinary television or computer to watch the footage. Continue…
The following are some of the concerns both home and business have and Top 10 Reasons of Why Install CCTV. Prevent Crime If you're worried about crime, cameras can not only catch criminals in the act, but the very presence of CCTV systems can make a would-be criminal think twice about any wrong-doing. Think about it, if you planned rob or vandalize a store or office, would you want to do it if you knew you were being recorded? Prevent Employee Theft If you suspects one of your employees of wrong-doing but don't know where to begin to try to get to the bottom of things, a camera can be a very helpful tool. This is especially true if you own an establishment where cash is exchanged. Cameras posted near cash registers or other places where employees are often stationed, not only can show you if an employee is stealing, but may even deter an employee from committing a crime if they know you're watching. Be a useful piece of evidence If a crime is committed in or around your business and the person accused of committing the crime was caught on camera, you've got an extra piece of evidence for a court case. Jurors and judges can watch footage or view photos from your security cameras and establish that the person on trial did indeed commit the crime. Not only will you be preventing the same person from causing you more trouble in the future, you'll be helping out your entire community. Help law enforcement solve crime When someone commits a crime and is caught on camera, police and other law enforcement officials can use the footage to release video or photos to the public via various media outlets. Having a picture of the suspect can make a world of difference when it comes to making an arrest and getting dangerous criminal off the street. Keep an eye on children and elderly folks With a CCTV system at home, you can monitor the safety of your children and elderly folks while you are away. Besides, you can keep an eye on your maid and make sure nothing out of the ordinary is going on. Keep an eye on things If you can't be at the office all the time but like to know what's going on, a security camera can help do just that. You can keep an eye on things from your home computer with a few quick clicks of your mouse and make sure your business is running smoothly and nothing out of the ordinary is going on. Protecting your staff CCTV can protect your staff physically against violence from customers. At the same time, it can also protect them against false accusations - perhaps coming from colleagues or even from client and customers. Encourage good behaviour Having a CCTV camera inside offices may help in creating discipline among the employees. For bosses, who want their presence felt so that efficiency at work is optimized, a camera hovering the employees will give the same effect. Monitoring high-risk area Cameras may be placed in high-risk areas inside a factory. Such areas may include those in which fires can possibly break out. A camera in place there will lessen potential damages because emergency measures can be made immediately. Cameras may also be placed in areas where accidents can happen. This is important so that life-saving measures can be employed promptly. Increase customer’s confidence Banks and shops equipped with CCTV cameras give the customers a sense of security and safety. The customers feel secure and this enhances the customers' confidence. Contact us for a free quote for your business for home. Email: stella@libertyempire.co.za Cell: 072 680 5492
CCTV
Liberty Empire
Samsung Techwin introduces WiseNet Lite series, an affordable product line offering simple but essential features ideal
to secure small to medium sized applications. Find your compact camera solution with the professional WiseNet Lite
series.
WiseNet Lite series offers a wide range of indoor and outdoor Bullet / Dome / Vandal cameras to cover multiple
application needs, delivering crisp and clear image qualities.
Award-winning Design
Samsung introduces its new WiseNet Lite series, an affordable product line with simple and essential features ideal for
securing all applications
Samsung dome cameras deliver at-a-glance vividness of areas you want to keep an eye on. With Night Vision up to 26
feet and Samsung Super Dynamic Range, you can depend on these cameras to empower you with clear, vibrant
images around the clock, all year long.
Vibrant Full HD
Proof that Samsung sets its sights on exceeding your visual
expectations-Full HD resolution camera delivers the rich
precision and dramatically brilliant images you would expect
from Samsung.
True Day & Night
With a large, CMOS sensors, these cameras allow maximum light
through the lens to yield vivid colors, brighter video and stunning
detail. Its IR Cut Filter produces undistorted, true-to-life colors in
daylight and switches to night mode for crisp, bright images despite
the darkness.
Continue…Night Vision Outfitted with auto-activated infrared LED lights for discreet illumination on even the darkest nights. The camera’s clear, bright Night Vision records activity up to 26 feet. SSDR High contrast or backlit scenes pose no problems for this camera. The Samsung Super Dynamic Range (SSDR) automatically lightens the dark areas without altering the brighter ones. This ensures that shadows are no obstacle to reliable monitoring Contact us for a free quote: stella@libertyempire.co.za Cell: 072 680 5492
PROPERTY
TALK
By Marc van Heerden
How Elections Affect Property
Since the beginning of democracy there has been negative growth toward property. Often its aligned to
misconceptions, emotional choices and instability of economic and employment issues. These are very natural
responses from the consumer.
The most recent statistics from Lightstone show that national house prices grew by 3.4% in the year to end-
march.
PLACE
The Western Cape (+5.8%) continues to outperform inflation, while Ekurhuleni, Tshwane and Johannesburg
house prices grew by between 2% and 4%. Coastal municipalities are generally performing above this range and
IMAGE
Port Elizabeth is second in its Capital Growth nationally making it a great investment opportunity. Going forward,
household incomes are likely to remain under pressure in the short term - particularly with continued petrol price
hikes and with the introduction of a carbon tax in June
HERE
But with a large percentage of renters and buyers being newcomers to the market, the lower end of the market
should continue to hold up well relative to other sectors of the market. Smaller sectional title properties will also
perform better as a result (thanks to students, first-time buyers and down-scalers).
There is also a significant shortage of accommodation for students and of the right type of retirement
developments in different parts of the country.
Port Elizabeth had a total transfer value of R4 billion of which R1,2 billion were cash purchases. Approximately
57% of purchasers are First Time Home Owners with the average purchase price being R748 912. Reading the
numbers is telling us the following; there are a number of First Time Purchasers and Downscale Purchasers
entering the market with the desire of properties under R1 000 000 in value. Developers matching in and around
these numbers will be able to reap the fruit of opportunity and clients/investors buying would be able to place
tenants with ease and have capital growth.
Handy Tips:
1) House prices have always continued on an upward
Marc van Heerden
curve following elections, but could be tested this time
Cell: 073 198 9369
round on national level.
marcv@openrealty.co.za
2) Port Elizabeth remains a safe investment.Property PLACE IMAGE HERE For Sale Kenton-on-Sea, this beautiful sea side village has it all, it is quiet during the year and life here is all about relaxing, fishing, enjoying the beach, and one can join the social clubs such as tennis, swimming, fishing clubs and more. HOME FOR SALE: This lovely large old lady has so much to offer, a beautiful spacious garden, remote access and alarm is in place. Large Double garage with enough space in the yard to park a boat and many more cars. The house has water tanks with filters and a pump to supply the main line and you can switch from tank to municipal. 3 Bedrooms, a study, 2 bathrooms, a braai/entertainment room, a spacious lounge which flows out to a balcony. The farm size kitchen is beautifully done with a built in oven and hob, with space for a large gas stove as well. It boasts a large pantry and scullery with space for your washing machine, dishwasher and tumble dryer. There is an outside room with a shower and toilet as well which can be used as teenage pad or servants quarters. Walking distance from the beach and rivers as well as the shops. Asking Price is R2.7 million Contact Claudine 0842095249 VDM Properties
Property For PLACE IMAGE HERE Sale OWN a 4 STAR GUESTHOUSE on the outskirts of Grahamstown. A MUST SEE! Magnificent views over Grahamstown and surrounding mountains. This property of 5.52 hectares boasts a beautifully renovated modern guesthouse with 9 bedrooms - all with en-suite bathrooms and all with magnificent views. Downstairs is Entrance hall with dining area, kitchen, lounge, fire place, small office and guest toilets with a porch giving you pleasurable views and fresh mountain air. Also separate from the Guest House, is a MAIN HOUSE on the property with 2 bedrooms, each with en-suite bathrooms and a large open plan lounge / dining room / kitchen and porch overlooking the mountains. Designed for maximum viewing pleasure. PLUS 2 self-catering flatlets. PLUS 2 additional out buildings - one used as staff quarters and the other as a chicken hut. PLUS Storeroom with HEATPUMP PLUS. Swimming pool PLENTY of parking and garaging for 4 cars. The property is enclosed with electric fencing and has access controlled gate. This property has endless opportunities and already operates as a fully functional guesthouse. Don't miss out on this opportunity to run a lucrative business while living in this magnificent setting. Priced to sell at R8 million. Contact Claudine 0842095249 VDM Properties
INTRODUCTION Thoba Sports Consulting (Pty) Ltd (TSC) is a sports management company based in the Eastern Cape. TSC is the holding company for ACT Elite Training Academy, Khulasande Sports Development (a non-profit organisation) as well as TSC Sports Leadership and renders a variety of dedicated sports services including but not limited to: • Sports Project Management • Event Management • Sports Management Consulting • Sports, Corporate Clothing & Gifts Distribution • Sports Coaching Services to schools and children in the Eastern Cape. • Sports Education and Training PROJECT MANAGEMENT • TSC Sports Leadership Programme Thoba Sports Consulting holds the IP for the TSC Sports Leadership Programme currently being rolled out at Hlumani High School, in Komga, Eastern Cape. The sports leadership programme is a education and training vehicle used to empower the youth of Komga by putting through an informal sports management and sports coaching skills development programme. The qualifying youth are then employed by TSC to manage Hlumani High School’s sports and recreation programme as coaches and administrators. Through the programme, Hlumani High School has received sports training equipment, sports kits and field maintenance equipment to ensure that the fields are well maintained and in playable condition throughout the year. • Khulasande Active Kids Programme Khulasande Sports Development (KSD) is a registered Non-Profit organisation (registration number: 188-294 NPO; we are currently awaiting our tax exemption / PBO certificate from SARS which should be available in two weeks). We specialise in the implementation of sports development programmes in the previously disadvantaged and rural communities of the Eastern Cape, South Africa. We currently run programmes in the Makana Municipality - Grahamstown, Riebeek East & Alicedale and Nelson Mandela Bay - Motherwell, Walmer Township and the Northern Areas as well as in Cacadu – Kirkwood, Addo areas of the Eastern Cape. Our Programmes: We have been running the KSD ACTIVE KIDS Programme in the above-mentioned areas, impacting 5 schools (4 primary schools and 1 high school in NMB & Cacadu) and 5 schools (2 primary schools, 1 high school and 2 combined schools) in the Makana areas with an average of 4800 direct beneficiaries per annum. The programme comprises of monthly coaching clinics in seasonal sports codes (athletics in summer; soccer, netball and rugby in winter) as well as periodic sports festivals where we bring all our beneficiary schools together to participate in a day of celebrating the ability to participate in sports activities. Our sports festivals have an average of 300 participants at a time and include community athletics competitions as well winter sports festivals. Continue…
Positive Spin-offs: Through the programme we were able to employ 15 young people (either currently completing their studies or those who’ve just completed their studies and are looking for permanent employment) in 2018 who helped with the management of our programme and served as Youth Coaches and mentors for the young people we encounter through our programmes. This number is set to increase to 22 this year. We also make use 4 local small businesses (2 catering companies and 2 transport companies) who assist us by providing meals for the young people during our coaching clinics and sports festivals as well as transportation services where necessary. Our beneficiaries have been exposed to provincial athletics competitions under the auspices of Eastern Province Athletics. Through these competitions, 7 athletes (aged 12 to 15) we selected to represent Eastern Province Athletics at the ACNW Interprovincial Championships in Potchefstroom at the end of November last year. One of the beneficiaries came back home with a silver medal and another was offered a full bursary to complete his high school studies at Monument High School in Rooderpoort in Gauteng – these are just some of our success stories through the programme. This year, we’ve had 3 beneficiaries win medals at the Eastern Province Athletics Championships, two of which have been selected to represent the province at the Athletics South Africa National Junior Championships in Paarl. All our beneficiaries are 100% black and come from poor communities where such opportunities do not exist to due lack of resources and sometimes lack of willingness and interest from school teachers. Partners / Sponsors: Grassroots Youth Development (GYD): We are funded by Grassroots Youth Development (GYD), which is a Corporate Social Investment Programme emanating from three wind farms located in the Eastern Cape, namely the Grassridge 60 MW wind farm in Nelson Mandela Bay, the Waainek 24MW wind farm in the Makana Municipality and the Chaba 21 MW wind farm in the Great Kei Municipality. The GYD initiative is a Socio Economic Development (SED) and an Enterprise Development (ED) program aimed at creating socio-economic opportunities for youth that reside within 50 kilometres of each wind farm. The GYP program has been designed to focus specifically on the development and implementation of projects in the field of education, sport and arts & culture.” ACT Elite Training Academy (AETA): AETA is a high performance athletics coaching academy based in Port Elizabeth. Talented athletes are identified through our monthly coaching clinics and are then adopted by AETA who provides professional coaching services to the athletes at no cost. Radio Kingfisher: Radio Kingfisher is Khulasande Sports Development’s media sponsor. Through the sponsorship, a radio advertisement on KSD was created and is aired 30 times per month. Opportunities to be interviewed on live radio are given to KSD and its partners twice a month on popular programmes to discuss the programmes and partner involvements. Conclusion: To sustain our programmes and create permanent opportunities for the youth, we need to secure more partners for KSD. We would love the opportunity to submit a formal proposal / funding application through your organisation, which will allow us to adopt more schools in the region to benefit from our programmes. Would you kindly give further information on the funding application process? ACT ELITE TRAINING ACADEMY (Athletics Academy) ACT Elite Training Academy is an elite athletics academy with its operations based at Linkside High School in Mill Park. Our main aim is assisting athletes who wish to represent Eastern Province Athletics or Eastern Cape Schools at national level as well as South Africa at international level. As an academy, we subscribe to the model of Long Term Athlete Development (LTAD), which is a multi-stage training, competition and recovery pathway guiding an individual's experience in sport and physical activity and as such. We specialise in coaching sprints, hurdles, jumps (LJ & TJ) as well as middle distance and have a team of 6 coaches that mentor and guide our athletes. We coach athletes from as young as 7 years old, with our oldest athlete being the SA Masters Champion – Lizelle Vermaak at age 44. Continue..
Our seniors (high school group) train 5 days a week (Monday, Tuesday, Wednesday, Friday and Saturday) at Linkside High School at 15:00 during the week and 08:30 on Saturday. Our primary school athletes train 2 – 3 times a week. Our honours list / provincial athletes for the 2018 / 2019 athletics season is as follows: Mia Vermaak – U/12 Long Jump (Bronze Medal); 150mH (4th place) Amber- Lee Elliott – U/15 100m Alec van den Berg – U/15 200m Clarise Moolman – U/17 400m Tanielle Moolman – U/17 400mH 98th place at nationals) Luke Vieira – U/17 400m (8th place at nationals) Marrelie van der Merwe – U/19 Long Jump (5th place at nationals) Robyn Munro – U/19 Triple Jump Casper Lötter – Senior Men 100m & 200m Cayla Seddon – Senior Women 200m Siyabonga Grootboom – Senior Men Long Jump and Triple Jump (8th place at nationals) David de Villiers – Senior Men 400m Lizelle Vermaak – SA Masters 80mH, 100m and 200m Champion We are actively involved in social media where you can find links to our organisations: Facebook: Thoba Sports Consulting Khulasande Sports Development ACT Elite Training Academy Athletics Coach T Instagram: Khulasande Sports Development ACT Elite Training Academy Athletics Coach T .
7 Biblical
Principles for
Saving and
Investing Your
Money
By Chris Cagle
Most Christians know they should save and invest for retirement or disability. But many find it difficult to adopt a
practical theology for managing their money, especially when it comes to saving and investing for a distant and
uncertain future.
It’s difficult because there are so many perspectives on this topic. Some promote a life of denial, eschewing any
luxuries and savings for the sake of the kingdom. Others suggest budgeting, avoiding debt, and regular saving in order
to enjoy greater wealth for giving and spending later in life. In the broader culture, the FIRE (Financial
PLACE
Independence/Retire Early) movement emphasizes extreme frugality and saving to be able to retire before age 40.
With all these seemingly inconsistent and conflicting messages, how can you come up with a personal theology of
IMAGE
money that balances biblical orthodoxy with practicality in saving and investing for the future?
H biblical
Here are seven E R Eprinciples that may help.
1. Saving for Future Needs Is Biblical
Some Christians don’t save for retirement because they believe it’s disobedient (usually quoting Matt. 6:19–20), or they
feel guilty about putting money away when others are in such great need. Others believe it isn’t necessary because
God will take care of them (Isa. 46:4). And some would like to save but spend everything they make (Prov. 13:18).
You may be surprised to learn that saving is actually encouraged in the Bible. Scripture condones saving for known,
anticipated needs in the future (Gen. 41; Prov. 6:6–11; Prov. 21:5; Prov. 21:20).
You may be surprised to learn that saving is actually encouraged in the Bible.
The Bible teaches that it’s possible to wisely save and invest for the future while also being “rich toward God” by
“storing up treasures in heaven” (Luke 12:21; Matt. 6:19–21).
2. Saving Honors God and Serves Others
It would be easy to think of saving as a purely selfish activity. That can indeed be the case—we need only read about
the rich fool in Luke 12—but it doesn’t have to be.
Saving honors God because it rightly values money as a gift that He has given to us (James 1:16–17). Instead of
unplanned, impulsive, or foolish spending, wise saving demonstrates the importance of stewarding His gifts (Luke
12:47–48).
Proper stewardship will put you in a better position to help with important needs as they arise (Eph. 4:28). You can
respond more quickly and perhaps in a more significant way (Prov. 3:27). Saving may also allow you to leave an
inheritance, blessing your heirs so they can then be a blessing to others (Prov. 13:22).
Continue…3. Procrastination Is a Mistake We all tend to put things off. But by failing to save early, you forfeit one of the most potent financial forces: tax- free compound interest, or earning interest on interest. Most people don’t postpone saving because they think saving is unimportant. Instead, they expect to have more disposable income down the road, or they have more pressing needs that get in the way, including debt payments, low wages, health-care expenses, or the need to save for a child’s education. They plan to get to it later on. But even if things do change down the road, money saved for retirement later has less time to grow (Matt. 25:27), meaning that you end up having to contribute much more to have the same amount if you started today. Just start by doing what you can and gain momentum over time. 4. Debt Is Debilitating The Bible isn’t silent about debt. There obviously weren’t Visa cards or auto loans in Jesus’s time, but lending and borrowing were part of the economic landscape. The Bible doesn’t strictly prohibit debt, but it does characterize debt as a form of bondage (Prov. 22:7). Beyond that, there is a direct correlation between over-spending and too much debt and a low savings rate. In the context of saving, debt comes at a cost. The money needed to service debt, which goes to creditors, is money that can’t be used for anything else. That is the “opportunity cost” of debt. Compare borrowing R1,000 and paying 12 percent interest (R120) versus saving R1,000 and investing it at 6 percent (R60). The real economic benefit is 18 percent (R180)! 5. Wise Investing Is Right and Good Investing isn’t stock trading. It’s not about betting the farm on a hot tip from your brother-in-law. Such speculating amounts to gambling on future events, and most of the time you lose more than you gain (Prov. 28:19; 1 Tim. 6:10). Investing is actually commended if done wisely. It’s about putting money into real businesses that employ people and deliver products or services to customers. Hopefully, the companies we invest in do well and provide a return commensurate with our investment (Prov. 31:10–31; Eccl. 11:1–6). Most of us would do well to invest in low-cost, passively managed, mutual and exchange-traded index funds (ETFs) instead of individual stocks and bonds. We also need to keep an eye out for high fees and expenses (they can be a big drag on returns), not being diversified enough (assets that balance each other), buying and selling at the wrong time (due to emotion), and a lack of knowledge about your investments (don’t buy what you don’t understand). 6. Saving Can Bring Temptations We can be tempted to save for wrong reasons—out of fear and greed or a desire for independence from God and others. If you save out of fear, then you aren’t trusting God (1 Tim. 6:17). If you do it out of greed, you’ve missed the whole point (Prov. 1:19; Mark 8:36; Luke 12:15). And once you’ve acquired some wealth, you don’t want to become like the miser we read about in Ecclesiastes 5:13 or the “rich fool” we read about in Luke 12. The problem with both isn’t that they saved; it’s that they were focused only on themselves and put their faith in riches rather than God. We can be tempted to save for wrong reasons—out of fear and greed or a desire for independence from God and others. Hoarders are consumed by the need to preserve wealth rather than risk it for productive uses and the good of others. It also brings curses (Prov. 11:26) and judgment (Luke 12:16–21; James 5:3; Ps. 39:6; Eccl. 5:13; Zech. 9:3). Continue…
7. Balance Is Key Finding the right balance is the key. On the one hand, we need to set aside something and invest it wisely for future needs. On the other, we want to be generous and remain dependent on God, recognizing that He is the source of our provision and alone controls the future. Whatever we decide, it must be out of a heart of gratitude to God for His kind generosity toward us—a God who is gracious, loving, and merciful (Ps. 107:8–9)—and based on the biblical wisdom He has given us on this topic.
5 South
African Women
Entrepreneurs’
Success
Stories
It’s not easy being a female entrepreneur, but that didn’t stop this list of great women from going above and beyond in
order to reach their goals.
Here are 5 South African Women Entrepreneurs’ Success. Stories.
1. Maria Ramos
PLACE
Maria Ramos is a Portuguese South African business woman who today is the CEO of ABSA group. She first moved to
South Africa from Portugal with her parents where she later became a citizen. After university she primarily worked in
finance and banking, taught economics and served as an economist. IMAGE
Hposition
She was appointed the country’s director of general finance, from which she moved to the ERE of CEO of Transnet
in 2004. There she began to transform the country’s economy by reorganizing the debt ridden company. As a result
she was ranked by Fortune magazine as one of the most powerful women in international business for four years in a
row.
2. Basetsana Kumalo
Basetsana Kumalo, also known as Bassie, was part of the beauty pageant circuit since the age of 16 where she was
crowned Miss Black South Africa and Miss Soweto. Four years later she was crowned Miss South Africa. While still
having the crown she shifted her career by starting to work for the TV programme Top Billing.
She became a 50% partner of Tswelopele Productions, the company which produces top billing, and executive
chairperson of Tswelopele Group and Tswelopele Publishing. But that’s not all; since then she has developed a
clothing line, sits on the boards of five companies and endorses a Revlon Hair Product.
3. Khanyi Dhlomo
Khanyi first started gracing magazine covers by the age of 15; she went on to be a radio news reader at 18, television
newsreader at 20 and editor of True Love at 22. After this short rise to the top and 8 years at True Love, she decided to
move to Paris in order to run a South African touring campaign, before studying at Harvard.
While at Harvard she struck up a plan to publish her own magazine. After returning to South Africa she launched
Destiny, a magazine that combined business content and lifestyle. Since then she became a director of the Foschini
Retail Group and CEO of Ndalo Media.
Continue….4. Wendy Luhabe Wendy is a South African business woman that has pioneered many initiatives in attempts to provide economic empowerment to women. Wendy got her first exercise in social entrepreneurship in 1995 after she founded Bridging the Gap. Since then she went onto found the Women Investment Portfolio Holdings (Wiphold) and was listed as one of the 50 Leading Women Entrepreneurs of the World. She is now the Chair in the Women Private Equity Fund and on the board of the IMD Business School. Recently she was also appointed by the US Secretary of State to the Council on Women’s Business Leadership. 5. Felicia Mabuza-Suttle Known as the South African Oprah, Felicia started out by being born into an entrepreneurial family in Sophiatown. After studying at a University in America, she entered the television industry working her way up to an executive position at Houston Public Television. She later returned to South Africa in 1994 where she landed her on TV show on SABC, The Felicia Show. She went onto become the executive producer of the Africa Channel and founding member and non-executive director Pamodzi Investment Holdings Ltd. She also owns a successful restaurant and is a bestselling author of the book Dare to Dream. So next time you’re struggling to get through a day of running your business, why not look through this list for some inspiration.
BUSINESS NETWORKING SECTION
Business Overview and Presence LIBERTY EMPIRE has been in business since 2016, managing and consulting various telecommunication and construction projects. We started contracting for companies within Telkom, providing turn key solutions in various aspects of trade. We currently have a national footprint with offices in Port Elizabeth, executing various projects for different service providers. Strengths We pride ourselves in being a company that values Integrity Honesty Quality Professionalism Embracing Diversity. Human Resource Development Our Service Offering includes: • Overhead and Underground Cables (Copper and Optic Fiber) • Cable Jointing / Fusion Splicing • Building & Plumbing • Electrical • Road Works • Project Management • Civil Engineering • Consultation • Construction • Project Brokerage • Planning, design of networks and infrastructure • Investor Management Equipment: We have fully functional offices and have access to many high tech Plant and Equipment, through purchasing and leasing agreements from sister companies, some of which includes: Additional Equipment: • Optic Splicing Machines • Skidsteers • Wackers • Trailers • TLB's • Air Compressors • Infrastructure Planning Software • Specialised mobile vehicle (fiber installation) • OTDR Testing Equipment
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